Riverside County Bridge Lenders for Residential Investment Property
Are you seeking a bridge loan secured by residential property in Riverside County? On this page you'll find a list of select bridge lenders for Riverside County investment properties with 1 to 4 units. To get a 1st lien bridge loan, you must have at least 30% equity. Due to state laws and regulations, it's not possible to get a bridge loan for a homestead (owner-occupied primary residence) or 2nd home, but if that's what you're seeking, use the filters to change the loan type to 'Residential Owner-Occupied' and you may find some alternative lending options.Searching...
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Center Street Lending
Smarter Loans for Residential Investors
Nationwide Mortgage - California
Bridge, Rehab, Construction, & Rental
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
SDC Capital
Family Office Lender. No 3rd-party appraisal (typically). Soft Money Terms in 1st or 2nd Lien Position.
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
ZINC Financial
Direct Lender for California Real Estate Investors since 2006
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
PrideCo Loans Inc.
Family Office Hard Money Lender for Multifamily and Residential Investment Properties
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Secured Capital Lending
Direct Private Lender for California Investment Properties
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
MOR Financial
Hard Money Bridge Loans for California and Florida Properties
Arch Loans
Low and High Leverage Options, up to 90% of purchase price for fix & flip
California Bridge Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for California residential property bridge loans in the 4th quarter of 2024 was 10.83%. The average loan amount was $996,535. These stats are the average of 1,499 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in California between October 1, 2024 and December 31, 2024 by multiple lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.
Although California bridge loan interest rates tend to be lower than other states, the data includes a lot of 2nd mortgages, which typically have higher rates than 1st mortgages. 2nd mortgages are quite common in California. In most other states, 2nd mortgages are non-existent in bridge lending.
Here is a breakdown of average interest rates in California’s metropolitan areas:
Los Angeles Metro Area
The average interest rate for Los Angeles bridge loans in the 4th quarter of 2024 was 11.04%. The average loan amount was $819,582. Of the 708 total loans in the 3-month period, 478 were secured by properties in Los Angeles County, 96 in Orange County, 72 in Riverside County, 44 in San Bernardino County and 18 in Ventura County.
San Francisco Bay Area
The average interest rate for Bay Area bridge loans in the 4th quarter of 2024 was 10.46%. The average loan amount was $1,026,883. Of the 291 total loans in the 3-month period, 50 were secured by properties in Alameda County, 44 in Contra Costa County, 12 in Marin County, 7 in Monterey County, 3 in Napa County, 36 in San Francisco County, 29 in San Mateo County, 81 in Santa Clara County, 3 in Santa Cruz County, 14 in Solano County and 12 in Sonoma County.
San Diego
The average interest rate for San Diego bridge loans in the 4th quarter of 2024 was 10.76%. The average loan amount was $1,004,884. The averages are derived from 307 loans secured by properties in San Diego County.
Sacramento
The average interest rate for Sacramento bridge loans in the 4th quarter of 2024 was 10.80%. The average loan amount was $707,715. Of the 45 total loans in the 3-month period, The averages are derived from 27 loans secured by properties in Sacramento County, 7 in El Dorado County, 4 in Nevada County, 5 in Placer County and 2 in Yolo County.
Central Valley
The average interest rate for Central Valley bridge loans in the 4th quarter of 2024 was 10.92%. The average loan amount was $401,829. Of the 101 total loans in the 3-month period, 28 were secured by properties in Fresno County, 15 in Kern County, 8 in Madera County, 6 in Merced County, 22 in San Joaquin County, 7 in Stanislaus County and 15 in Tulare County.
Santa Barbara
The average interest rate for Central Valley bridge loans in the 4th quarter of 2024 was 10.65%. The average loan amount was $1,018,283. Of the 28 total loans in the 3-month period, 7 were secured by properties in San Luis Obispo County and 21 in Santa Barbara County.
According to private lending data provider, Analytics Logics, the average interest rate for bridge loans secured by residential investment properties in California in the 4th quarter of 2024 was 10.36%. Lenders charged an average of 1.4% points (origination fee). The average LTV (loan-to-value) for bridge loans in California was 63%, and the average loan amount was $765,700. These stats are the average of all the loans which were funded between October 1, 2024 and December 31, 2024 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top 10 California Bridge Loan Lenders
According to Forecasa™, here are the Top 10 Bridge Lenders ranked by the number of bridge loans* originated in California from October 2024 to December 2024.
- Kiavi funded 787 loans
- Anchor Loans funded 252 loans
- Conventus LLC funded 244 loans
- Vista Point Mortgage funded 225 loans
- Wholesale Mortgage Bankers (Fidelity Lending Solutions) funded 220 loans
- Center Street Lending funded 219 loans
- Oaktree Funding Corporation funded 195 loans
- Genesis Capital funded 175 loans
- Fundloans Capital funded 163 loans
- Val Chris Investment Inc funded 163 loans
* The number of loans funded are approximate and includes long-term rental loans.
Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform.
California Bridge Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of bridge loans secured by investment real estate in California which were funded by private lending companies from January 2024 to December 2024.
- Approximately $4,531,506,876 of bridge loans were funded in the 4th quarter of 2024 for 3,148 borrowers.
- Approximately $4,245,173,381 of bridge loans were funded in the 3rd quarter of 2024 for 3,283 borrowers.
- Approximately $4,360,372,520 of bridge loans were funded in the 2nd quarter of 2024 for 3,326 borrowers.
- Approximately $3,429,959,311 of bridge loans were funded in the 1st quarter of 2024 for 2,868 borrowers.
Below are the approximate bridge loan volume amounts for California’s metropolitan areas:
Bakersfield-Delano, CA
- 2024 Q4: $23,880,985 for 68 borrowers
- 2024 Q3: $25,290,988 for 74 borrowers
- 2024 Q2: $12,829,827 for 58 borrowers
- 2024 Q1: $17,331,318 for 68 borrowers
Fresno, CA
- 2024 Q4: $39,184,698 for 85 borrowers
- 2024 Q3: $37,031,586 for 89 borrowers
- 2024 Q2: $26,674,675 for 75 borrowers
- 2024 Q1: $24,204,338 for 57 borrowers
Los Angeles-Long Beach-Anaheim, CA
- 2024 Q4: $2,226,842,721 for 1,277 borrowers
- 2024 Q3: $2,044,267,724 for 1,323 borrowers
- 2024 Q2: $2,110,745,284 for 1,379 borrowers
- 2024 Q1: $1,535,399,741 for 1,124 borrowers
Oxnard-Thousand Oaks-Ventura, CA
- 2024 Q4: $32,691,617 for 51 borrowers
- 2024 Q3: $32,682,390 for 40 borrowers
- 2024 Q2: $32,772,744 for 46 borrowers
- 2024 Q1: $35,281,109 for 49 borrowers
Riverside-San Bernardino-Ontario, CA
- 2024 Q4: $257,578,050 for 391 borrowers
- 2024 Q3: $317,863,556 for 446 borrowers
- 2024 Q2: $251,240,483 for 435 borrowers
- 2024 Q1: $382,070,803 for 417 borrowers
Sacramento-Roseville-Folsom, CA
- 2024 Q4: $298,089,672 for 203 borrowers
- 2024 Q3: $125,938,391 for 200 borrowers
- 2024 Q2: $148,363,417 for 203 borrowers
- 2024 Q1: $108,110,384 for 187 borrowers
San Diego-Chula Vista-Carlsbad, CA
- 2024 Q4: $463,306,947 for 315 borrowers
- 2024 Q3: $543,006,997 for 363 borrowers
- 2024 Q2: $738,816,339 for 342 borrowers
- 2024 Q1: $502,421,286 for 289 borrowers
San Francisco-Oakland-Fremont, CA
- 2024 Q4: $607,197,751 for 392 borrowers
- 2024 Q3: $604,801,957 for 413 borrowers
- 2024 Q2: $502,195,216 for 397 borrowers
- 2024 Q1: $404,650,944 for 344 borrowers
San Jose-Sunnyvale-Santa Clara, CA
- 2024 Q4: $270,456,318 for 140 borrowers
- 2024 Q3: $215,757,568 for 130 borrowers
- 2024 Q2: $259,834,664 for 141 borrowers
- 2024 Q1: $194,979,872 for 113 borrowers
Stockton-Lodi, CA
- 2024 Q4: $18,882,006 for 50 borrowers
- 2024 Q3: $18,867,224 for 53 borrowers
- 2024 Q2: $18,223,692 for 54 borrowers
- 2024 Q1: $19,227,915 for 37 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
Select a Metro Area
California is an enormous state, and most bridge lenders are selective about where they lend, so filter your search by selecting a metro area:
Northern California: SF Bay Area | Sacramento | Lake Tahoe
Southern California: Los Angeles | San Diego | Orange County | Riverside County | San Bernardino County | Santa Barbara
Central California: Central Valley | Bakersfield | Fresno
Funded Residential Bridge Loans in Riverside County
Private Money Loan for Short-Term Rental in Palm Desert, California
$1,475,000
Karpe Real Estate Center, a direct private lender for Central California real estate, funded a $1,475,000 1st lien position equity cash-out loan secured by a single-family residence in suburban Palm Desert, CA. The property value was estimated at $2,200,000 so our loan-to-value was 67%. We paid off a previous loan balance of $1,090,000 and provided the Borrower with the desired funds. The Borrower needed to refinance this short-term rental to pull cash out and place it into their business. The Borrower plans to keep using this as a short-term rental and refinance the loan prior to the maturity date. The subject property was in excellent condition and is approximately 3,241 square feet set in a 10,454-square-foot lot. The Borrower had average credit. The interest rate was set at 11.5%. The loan term was set at 24 months. This SFR private money loan was funded in April 2023.
